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The "reform" word has been misused to make people think they're going to make the retirement funds solvent. What they really mean is the state has no intention of contributing all the money they purposefully avoided contributing, and not even giving the retirement funds the interest they're due.

Every financial planner in the world will tell you that if you decide to stop contributing to your retirement savings mid-way through your career, you will not be able to catch up later.

The state has proven themselves so incompetent, anyone in the cash balance plan would be far better off in a private retirement plan. Employer and employee retirement contributions would generate a lot more money in a target-year retirement fund at a low-cost company like Vanguard. The law should be changed to allow employees to do so. Since there's no 20 year retirement, all Metro should be doing is kicking in their matching monthly amount to a private 401k account none of those bureaucrats or politicians can get their hands on afterwards.